Are you tired of trying to find the cheapest Honda Civic insurance in Baltimore? Finding the lowest price Baltimore Honda Civic insurance quotes may seem to be problematic for vehicle owners new to comparison shopping over the internet. With such a large number of agents and insurers available, how can you possibly compare the different rates to find the lowest price?

Discount Honda Civic insuranceA recent car insurance study discovered that a large majority of drivers have been with the same company for over three years, and roughly 40% of drivers have never shopped around. The average driver in Maryland can cut their rates by up to 55% a year just by shopping around, but they don't want to take the time to compare other rate quotes.

It's a good idea to compare prices before your policy renews due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best deal on Honda Civic insurance in Baltimore a year ago there is a good chance you can find better premium rates now. Forget all the misinformation about car insurance because you're about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to reduce the price you pay using the concepts covered in this article. Our goal is to familiarize you with how car insurance companies work and how you can save the most money. Although Maryland drivers must learn how big insurance companies determine prices because it can help you find the best coverage.

You may qualify for discounts for Honda Civic insurance in Baltimore

Companies don't always publicize the complete list of policy discounts very well, so the following is a list of a few of the more well known and the more hidden credits available to lower your premiums when you buy Baltimore auto insurance online. If you check and find you aren't receiving every discount you deserve, it's possible you qualify for a lower rate.

Just know that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, company stockholders wouldn't be very happy.

A few popular companies and some of the discounts can be found below.

When getting free Baltimore auto insurance quotes, it's a good idea to each company which discounts can lower your rates. Savings may not apply in your state.

Affordable Baltimore Honda Civic insurance quotes

Most larger insurance companies allow you to get prices for coverage from their websites. Doing online price comparisons for Honda Civic insurance in Baltimore is fairly straightforward because it's just a matter of typing in the amount of coverage you want into the form. When complete, the company's rating system gets your driving record and credit report and returns pricing information based on the data you entered.

This makes comparing rates easy, and it is imperative to perform this step in order to find the cheapest price possible.

To find out if lower rates are available, compare rates from the companies below. To compare your current rates, we recommend you replicate deductibles and limits identical to your current policy. Doing this assures you will be getting a price comparison based on identical coverages.

The companies in the list below can provide free quotes in Maryland. If several companies are displayed, we recommend you get price quotes from several of them to get a more complete price comparison.

Honda Civic Insurance Costs in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $254 $426 $532 $32 $160 $1,404 $117
Civic VP 4-Dr Sedan $298 $856 $492 $30 $148 $1,824 $152
Civic LX 4-Dr Sedan $216 $492 $414 $24 $124 $1,270 $106
Civic DX 2-Dr Coupe $164 $384 $518 $30 $154 $1,250 $104
Civic EX 4-Dr Sedan $338 $914 $548 $32 $164 $1,996 $166
Civic LX-S 4-Dr Sedan $192 $492 $426 $26 $128 $1,264 $105
Civic LX 2-Dr Coupe $304 $882 $686 $40 $206 $2,118 $177
Civic EX-L 4-Dr Sedan $166 $464 $458 $28 $138 $1,254 $105
Civic SI 4-Dr Sedan $314 $718 $406 $24 $122 $1,584 $132
Civic EX 2-Dr Coupe $166 $442 $532 $32 $160 $1,332 $111
Civic GX 4-Dr Sedan $270 $702 $458 $28 $138 $1,596 $133
Civic EX-L 2-Dr Coupe $194 $452 $508 $30 $152 $1,336 $111
Civic Hybrid 4-Dr Sedan $394 $744 $406 $24 $122 $1,690 $141
Civic SI 2-Dr Coupe $276 $740 $660 $40 $198 $1,914 $160
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can revise auto insurance rates greatly.

Physical damage deductibles

When shopping for auto insurance, a common question is which deductibles should you choose. The comparison tables below can help you visualize how much more rates are when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Honda Civic insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $274 $528 $406 $24 $122 $1,379 $115
Civic VP 4-Dr Sedan $274 $624 $406 $24 $122 $1,475 $123
Civic LX 4-Dr Sedan $274 $624 $406 $24 $122 $1,475 $123
Civic DX 2-Dr Coupe $274 $624 $508 $30 $152 $1,613 $134
Civic EX 4-Dr Sedan $274 $624 $406 $24 $122 $1,475 $123
Civic LX-S 4-Dr Sedan $274 $624 $406 $24 $122 $1,475 $123
Civic LX 2-Dr Coupe $274 $718 $508 $30 $152 $1,707 $142
Civic EX-L 4-Dr Sedan $314 $718 $406 $24 $122 $1,609 $134
Civic SI 4-Dr Sedan $314 $718 $406 $24 $122 $1,609 $134
Civic EX 2-Dr Coupe $314 $718 $508 $30 $152 $1,747 $146
Civic GX 4-Dr Sedan $314 $718 $406 $24 $122 $1,609 $134
Civic EX-L 2-Dr Coupe $314 $718 $508 $30 $152 $1,747 $146
Civic Hybrid 4-Dr Sedan $354 $624 $406 $24 $122 $1,555 $130
Civic SI 2-Dr Coupe $354 $812 $508 $30 $152 $1,881 $157
Get Your Own Custom Quote Go
Honda Civic insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $222 $426 $406 $24 $122 $1,200 $100
Civic VP 4-Dr Sedan $222 $502 $406 $24 $122 $1,276 $106
Civic LX 4-Dr Sedan $222 $502 $406 $24 $122 $1,276 $106
Civic DX 2-Dr Coupe $222 $502 $508 $30 $152 $1,414 $118
Civic EX 4-Dr Sedan $222 $502 $406 $24 $122 $1,276 $106
Civic LX-S 4-Dr Sedan $222 $502 $406 $24 $122 $1,276 $106
Civic LX 2-Dr Coupe $222 $578 $508 $30 $152 $1,490 $124
Civic EX-L 4-Dr Sedan $256 $578 $406 $24 $122 $1,386 $116
Civic SI 4-Dr Sedan $256 $578 $406 $24 $122 $1,386 $116
Civic EX 2-Dr Coupe $256 $578 $508 $30 $152 $1,524 $127
Civic GX 4-Dr Sedan $256 $578 $406 $24 $122 $1,386 $116
Civic EX-L 2-Dr Coupe $256 $578 $508 $30 $152 $1,524 $127
Civic Hybrid 4-Dr Sedan $288 $502 $406 $24 $122 $1,342 $112
Civic SI 2-Dr Coupe $288 $654 $508 $30 $152 $1,632 $136
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can affect prices substantially.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $18 more each month or $216 a year than choosing the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 14 months between claim filings, you would save money if you elect the higher deductible.

Irresponsible driving raises your rates

The example below demonstrates how traffic citations and accidents impact Honda Civic car insurance costs for different age groups. The data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Does it make sense to buy full coverage?

The chart below examines Honda Civic insurance costs with liability coverage only compared to full coverage. The data assumes no violations or claims, $250 deductibles, single male driver, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's assume your Honda Civic replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $7,000 after you pay the deductible. If you are currently paying more than $700 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not advised. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Lower Your Baltimore Insurance Premiums

Smart consumers have a good feel for some of the factors that play a part in calculating the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make good choices that could result in lower car insurance prices. Many factors are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but some are more obscure like your continuous coverage or how safe your car is.

The list below includes some of the items used by your company to calculate prices.

Neighborhood Baltimore auto insurance agents

Many drivers prefer to get professional advice from a licensed agent and doing so can bring peace of mind The biggest benefit of getting online price quotes is you may find cheaper rates but also keep your business local. Supporting small agencies is important particularly in Baltimore.

Find insurance agent in BaltimoreUpon completion of this quick form, your insurance coverage information is sent to insurance agents in Baltimore who will give you quotes and help you find cheaper coverage. You don't have to search for any insurance agencies because quoted prices will be sent directly to you. You'll get the best rates and a licensed agent to talk to. If you want to compare prices from a particular provider, you can always search and find their rate quote page and give them your coverage information.

If you would like to find a local Baltimore insurance agency, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Agents in Baltimore can either be independent or exclusive.

Independent Agencies or Brokers

Agents that elect to be independent are normally appointed by many insurers so they can write business with a variety of different insurance companies and get the cheapest rates. If prices rise, your policy is moved internally and you don't have to find a new agent.

When comparing insurance rates, it's a good idea to check rates from several independent insurance agents in order to compare the most rates. They often place coverage with companies that do not advertise much which may provide better rates.

The following is a small list of independent insurance agents in Baltimore that can give you free insurance quotes.

More Baltimore agents

Exclusive Insurance Agents

Exclusive agencies have only one company to place business with such as Farmers Insurance or State Farm. Exclusive agencies are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates. Some consumers prefer to use the same exclusive agent primarily because of loyalty to the company instead of buying on price only.

The following is a list of exclusive insurance agencies in Baltimore willing to provide comparison quotes.

More Baltimore agents

Deciding on an insurance agency shouldn't rely on just the price. Here are some questions to ask:

It may be expensive, but it's not optional

Despite the high insurance cost for a Honda Civic in Baltimore, insurance is required for several reasons.

The benefits of carrying enough insurance outweigh the cost, particularly when you have a large claim. But the average driver in Maryland is overpaying more than $750 every year so it's recommended you shop around at every policy renewal to be sure current rates are still competitive.

Affordable insurance premiums are out there

Some insurance companies may not offer the ability to get quotes online and many times these regional insurance providers only sell coverage through independent agents. Low-cost Honda Civic insurance in Baltimore is possible from both online companies and also from your neighborhood Baltimore agents, and you need to comparison shop both in order to have the best chance of saving money.

Insureds leave their current company for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices or even extreme rates for teen drivers. No matter why you want to switch, choosing a new company can be easier than you think.

We just showed you some good ideas how to get a better price on Honda Civic insurance in Baltimore. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a lesser-known regional company.

More information